According to the 1.9 Ownership & Accountability - CRISC, risk ownership is best established by mapping risk to specific business process owners. Details of the risk owner should be documented in the risk register. Results of the risk monitoring should be discussed and communicated with the risk owner as they own the risk and are accountable for maintaining the risk within acceptable levels. To ensure effective risk ownership, it is most important that risk owners have decision-making authority, as this enables them totake timely and appropriate actions to manage the risk and ensure that it is aligned with the organization’s risk appetite and tolerance. Without decision-making authority, risk owners may not be able to implement the necessary risk responses or escalate the issues to the relevant stakeholders. Therefore, the answer is D. risk owners have decision-making authority. References = 1.9 Ownership & Accountability - CRISC, The Importance of Effective Risk Governance in the C-suite - Aon